Buy Now Pay Later

Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 equal installment payments. You can't adjust the number of installment payments or the price range available for Shop Pay Installments.

You have the option to pay for orders between $50 and $3,000 USD, including discounts, shipping and taxes, in 4 installments. To use Shop Pay Installments, your shipping address needs to be in the United States.

How to pay with Shop Pay installments: Fill your cart, then choose Shop Pay Installments at checkout. Choose the installments option as your payment method. Choose a debit or credit card to use for payment, then tap Continue. Follow the steps to verify your identity—this usually takes just a few moments.

What is Shop Pay?

Shop Pay is a wallet that helps you check out faster by automatically filling in your saved email, payment and shipping details.

The following info is saved and securely encrypted for your future purchases:

shipping address
billing address
credit card details
mobile phone number

You can save up to five shipping addresses and up to five credit cards with Shop Pay. Your mobile phone number is used for SMS verification of your account. Learn more about managing your payment and shipping details.

For details about what information we collect and how we keep it secure, view our Privacy for Users of Shopify Apps policy.

What cards can I use with Shop Pay?

To use Shop Pay, you need to have a Visa, Mastercard, American Express, or other card that the online store that you're buying from supports. You can usually find the list of supported payment methods on the payment screen at checkout.

If you're having trouble using Shop Pay with your card, then troubleshoot by confirming the following:

You've activated your card before use, if applicable.
Your billing info that matches your bank on file. For example, the zip code needs to match the billing address.
You're using a supported debit or credit card. For example, some prepaid cards aren't supported. If you're using Shop Pay Installments, then you can't use Capital One cards or prepaid debit cards.

Fees or penalties

There are no additional charges, interest rates, or late fees. You can pay your balance off early without penalty. However, if you make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected.

Credit scores and eligibility

Your credit scores aren't affected if you use Shop Pay Installments. However, if you don’t pay an installment, or you make a late payment, then your eligibility for making purchases using Shop Pay Installments in the future might be affected.

Restricted items

There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:

Cash advances
Illegal items and activities
Weapons, including parts and accessories
Narcotics
Regulated products such as alcohol, tobacco, or drug paraphernalia
Currency, including cryptocurrency
PayPal, Venmo, and other money transfer services
Loan and credit card payments

Terms of Service Learn more about Affirm’s terms of service or Shop’s terms of service.

Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.